What type of heating sources are excluded from insurance coverage under Allstate's Risk Management Policy?

Non-factory installed heat sources are typically excluded from insurance coverage under Allstate's Risk Management Policy because these heating sources are often not subject to the same safety and manufacturing standards as factory-installed systems. This lack of regulation can make them more prone to failures, hazards, or improper installation, which increases risk for the insurer. By excluding these non-standard heating sources from coverage, the insurer protects itself from claims related to damages or defects that could arise from their use.

In contrast, factory-installed heating systems are generally recognized for meeting specific safety and performance standards, as they are installed by licensed professionals following industry regulations. Electric heaters and wood-burning stoves might be included in coverage as long as they are appropriately installed and maintained according to applicable codes. Thus, the focus of the policy is on ensuring that the insured property retains a level of safety and reliability that factory-installed systems can provide.